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Universal Insurance (UVE) Financials

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$26.28 -0.09 (-0.36%)
Closing price 05/23/2025 03:59 PM Eastern
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$26.32 +0.04 (+0.15%)
As of 05/23/2025 07:51 PM Eastern
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Annual Income Statements for Universal Insurance

Annual Income Statements for Universal Insurance

This table shows Universal Insurance's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 59 67 -22
Consolidated Net Income / (Loss)		 59 67 -22
Net Income / (Loss) Continuing Operations		 59 67 -22
Total Pre-Tax Income 		85 88 -27
Total Revenue		 1,514 1,385 1,216
Net Interest Income / (Expense)		 -6.48 -6.53 -6.61
Total Interest Income		 0.00 0.00 0.00
Total Interest Expense		 6.48 6.53 6.61
Long-Term Debt Interest Expense		 6.48 6.53 6.61
Total Non-Interest Income		 1,521 1,392 1,223
Other Service Charges		 80 80 81
Net Realized & Unrealized Capital Gains on Investments		 68 59 13
Premiums Earned		 1,373 1,252 1,129
Total Non-Interest Expense		 1,429 1,297 1,243
Property & Liability Insurance Claims		 1,087 993 938
Other Operating Expenses		 342 304 305
Income Tax Expense		 26 22 -4.99
Basic Earnings per Share		 $2.07 $2.24 ($0.72)
Weighted Average Basic Shares Outstanding		 28.50M 29.83M 30.75M
Diluted Earnings per Share		 $2.01 $2.22 ($0.72)
Weighted Average Diluted Shares Outstanding		 29.27M 30.15M 30.75M
Weighted Average Basic & Diluted Shares Outstanding		 28.10M 28.97M 30.43M
Cash Dividends to Common per Share		 $0.77 $0.77 $0.77

Quarterly Income Statements for Universal Insurance

This table shows Universal Insurance's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 41 6.02 -16 35 34 20 -5.92 29 24 25 -72
Consolidated Net Income / (Loss)		 41 6.02 -16 35 34 20 -5.92 29 24 25 -72
Net Income / (Loss) Continuing Operations		 41 6.02 -16 35 34 20 -5.92 29 24 25 -72
Total Pre-Tax Income 		55 7.35 -18 48 47 26 -7.88 38 33 33 -93
Total Revenue		 395 382 386 380 366 376 360 338 311 325 313
Net Interest Income / (Expense)		 0.00 -3.24 -1.62 0.00 -1.62 -3.27 0.00 -1.63 -1.64 -1.64 -1.63
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 0.00 3.24 1.62 0.00 1.62 3.27 0.00 1.63 1.64 1.64 1.63
Total Non-Interest Income		 395 385 388 380 368 380 360 340 312 342 308
Other Service Charges		 23 23 20 20 17 21 18 22 19 35 15
Net Realized & Unrealized Capital Gains on Investments		 16 14 22 16 17 23 11 14 11 14 2.22
Premiums Earned		 356 348 346 345 334 335 331 303 282 292 291
Total Non-Interest Expense		 339 374 404 332 319 350 368 300 278 307 399
Property & Liability Insurance Claims		 251 287 317 244 240 275 288 224 206 223 330
Other Operating Expenses		 87 89 87 87 79 77 78 77 72 85 69
Amortization Expense		 1.61 - - 1.62 - - 1.63 - - - -
Income Tax Expense		 14 1.33 -1.96 12 14 5.90 -1.96 8.97 8.62 7.73 -21
Basic Earnings per Share		 $1.48 $0.23 ($0.57) $1.24 $1.17 $0.70 ($0.20) $0.94 $0.80 $0.84 ($2.36)
Weighted Average Basic Shares Outstanding		 28.09M 28.50M 28.36M 28.60M 28.87M 29.83M 29.62M 30.27M 30.38M 30.75M 30.60M
Diluted Earnings per Share		 $1.44 $0.23 ($0.57) $1.21 $1.14 $0.70 ($0.20) $0.93 $0.79 $0.84 ($2.36)
Weighted Average Diluted Shares Outstanding		 28.78M 29.27M 28.36M 29.31M 29.40M 30.15M 29.62M 30.66M 30.63M 30.75M 30.60M
Weighted Average Basic & Diluted Shares Outstanding		 28.14M 28.10M 28.29M 28.48M 28.76M 28.97M 29.19M 30.08M 30.44M 30.43M 30.51M
Cash Dividends to Common per Share		 $0.16 $0.29 $0.16 $0.16 $0.16 $0.29 $0.16 $0.16 $0.16 $0.29 $0.16

Annual Cash Flow Statements for Universal Insurance

This table details how cash moves in and out of Universal Insurance's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -138 8.60 138
Net Cash From Operating Activities		 137 71 325
Net Cash From Continuing Operating Activities		 137 71 325
Net Income / (Loss) Continuing Operations		 59 67 -22
Consolidated Net Income / (Loss)		 59 67 -22
Provision For Loan Losses		 1.00 0.15 1.14
Depreciation Expense		 6.12 7.31 7.30
Amortization Expense		 4.46 7.27 8.83
Non-Cash Adjustments to Reconcile Net Income		 0.81 -7.28 18
Changes in Operating Assets and Liabilities, net		 66 -3.31 312
Net Cash From Investing Activities		 -228 -15 -149
Net Cash From Continuing Investing Activities		 -228 -15 -149
Purchase of Property, Leasehold Improvements and Equipment		 -7.37 -4.02 -4.90
Purchase of Investment Securities		 -391 -185 -277
Sale of Property, Leasehold Improvements and Equipment		 0.11 0.04 0.10
Sale and/or Maturity of Investments		 170 173 133
Net Cash From Financing Activities		 -47 -47 -37
Net Cash From Continuing Financing Activities		 -47 -47 -37
Repayment of Debt		 -1.47 -1.47 -1.61
Repurchase of Common Equity		 -22 -22 -12
Payment of Dividends		 -22 -23 -24
Other Financing Activities, Net		 -1.42 -0.34 -0.42
Cash Interest Paid		 5.77 5.82 5.80
Cash Income Taxes Paid		 28 9.71 17

Quarterly Cash Flow Statements for Universal Insurance

This table details how cash moves in and out of Universal Insurance's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -48 101 -83 -72 -84 58 -18 -23 -8.29 304 -25
Net Cash From Operating Activities		 187 -101 83 73 83 0.34 69 52 -50 101 -2.27
Net Cash From Continuing Operating Activities		 0.00 140 -50 48 0.00 71 - - 0.00 325 -
Net Income / (Loss) Continuing Operations		 0.00 61 -50 48 0.00 67 - - 0.00 -22 -
Net Cash From Investing Activities		 -42 -21 -23 -110 -74 -0.79 0.93 -13 -2.63 -8.83 -17
Net Cash From Continuing Investing Activities		 -42 -21 -23 -110 -74 -0.79 0.93 -13 -2.63 -8.83 -17
Purchase of Property, Leasehold Improvements and Equipment		 -1.23 -0.89 -1.66 -1.52 -3.30 -1.15 -1.01 -1.17 -0.69 -0.51 -0.60
Purchase of Investment Securities		 -77 -39 -96 -145 -111 -49 -39 -62 -36 -30 -56
Sale of Property, Leasehold Improvements and Equipment		 0.01 0.01 0.01 0.04 0.05 0.01 0.01 0.02 0.01 0.03 0.06
Sale and/or Maturity of Investments		 37 19 75 37 39 49 41 50 34 22 40
Net Cash From Financing Activities		 -6.48 -18 -9.32 -10 -9.52 -13 -17 -11 -5.67 -11 -7.70
Net Cash From Continuing Financing Activities		 -6.48 -18 -9.32 -10 -9.52 -13 -17 -11 -5.67 -11 -7.70
Repayment of Debt		 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37 -0.38 -0.37
Repurchase of Common Equity		 0.00 -7.72 -4.44 -5.26 -4.51 -3.64 -12 -6.09 0.00 -1.84 -2.42
Payment of Dividends		 -4.84 -8.53 -4.52 -4.64 -4.64 -8.60 -4.80 -4.91 -4.98 -8.90 -4.91
Other Financing Activities, Net		 -1.27 -1.42 -0.00 - 0.00 -0.03 - - -0.31 -0.21 -

Annual Balance Sheets for Universal Insurance

This table presents Universal Insurance's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 2,842 2,317 2,890
Cash and Due from Banks		 259 397 389
Restricted Cash		 2.64 2.64 2.64
Trading Account Securities		 1,347 1,145 1,100
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Premises and Equipment, Net		 57 53 57
Unearned Premiums Asset		 341 532 352
Deferred Acquisition Cost		 121 110 104
Other Assets		 714 76 886
Total Liabilities & Shareholders' Equity		 2,842 2,317 2,890
Total Liabilities		 2,469 1,975 2,602
Non-Interest Bearing Deposits		 46 49 55
Long-Term Debt		 101 102 103
Claims and Claim Expense		 959 510 1,039
Unearned Premiums Liability		 1,060 991 944
Other Long-Term Liabilities		 301 324 462
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 373 341 288
Total Preferred & Common Equity		 373 341 288
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 373 341 288
Common Stock		 122 116 113
Retained Earnings		 597 561 517
Treasury Stock		 -283 -261 -239
Accumulated Other Comprehensive Income / (Loss)		 -63 -74 -104

Quarterly Balance Sheets for Universal Insurance

This table presents Universal Insurance's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 2,715 2,651 2,679 2,120 2,559 2,918 2,551 3,127
Cash and Due from Banks		 398 334 283 396 344 292 330 307
Restricted Cash		 2.64 69 69 2.64 69 69 2.64 2.70
Trading Account Securities		 1,404 1,368 1,291 1,189 1,109 1,127 1,119 1,079
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 57 55 55 55 54 55 56 59
Unearned Premiums Asset		 649 641 663 162 791 1,195 189 532
Deferred Acquisition Cost		 116 125 117 107 115 107 98 112
Other Assets		 89 58 200 208 77 73 756 1,035
Total Liabilities & Shareholders' Equity		 2,715 2,651 2,679 2,120 2,559 2,918 2,551 3,127
Total Liabilities		 2,292 2,250 2,285 1,755 2,257 2,583 2,229 2,866
Non-Interest Bearing Deposits		 82 72 73 74 76 91 92 78
Long-Term Debt		 101 101 102 102 102 102 103 103
Claims and Claim Expense		 894 460 345 430 551 663 870 1,154
Unearned Premiums Liability		 1,014 1,109 1,042 955 1,040 982 899 992
Other Long-Term Liabilities		 201 508 723 195 488 745 265 540
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 422 400 393 365 302 335 322 261
Total Preferred & Common Equity		 422 400 393 365 302 335 322 261
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 422 400 393 365 302 335 322 261
Common Stock		 122 121 119 117 116 115 114 112
Retained Earnings		 634 599 620 590 549 560 537 501
Treasury Stock		 -283 -275 -271 -265 -257 -245 -239 -237
Accumulated Other Comprehensive Income / (Loss)		 -51 -46 -76 -77 -107 -96 -90 -116

Annual Metrics And Ratios for Universal Insurance

This table displays calculated financial ratios and metrics derived from Universal Insurance's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 9.31% 13.90% 8.46%
EBITDA Growth		 -7.52% 1,025.41% -124.66%
EBIT Growth		 -4.23% 424.25% -195.90%
NOPAT Growth		 -11.81% 450.36% -193.46%
Net Income Growth		 -11.81% 400.23% -209.07%
EPS Growth		 -9.46% 408.33% -210.77%
Operating Cash Flow Growth		 93.54% -78.13% 38.46%
Free Cash Flow Firm Growth		 95.54% -88.53% 323.77%
Invested Capital Growth		 7.04% 13.47% -26.76%
Revenue Q/Q Growth		 0.35% 3.82% 2.30%
EBITDA Q/Q Growth		 -7.73% 27.52% 89.89%
EBIT Q/Q Growth		 -17.98% 9.45% 75.22%
NOPAT Q/Q Growth		 -19.18% -7.11% 78.12%
Net Income Q/Q Growth		 -19.18% -7.11% 76.69%
EPS Q/Q Growth		 -18.95% -5.93% 76.70%
Operating Cash Flow Q/Q Growth		 -42.54% -58.74% 76.79%
Free Cash Flow Firm Q/Q Growth		 210.63% -55.45% 143.19%
Invested Capital Q/Q Growth		 -5.42% 9.81% 7.44%
Profitability Metrics		 - - -
EBITDA Margin		 6.29% 7.43% -0.91%
EBIT Margin		 5.59% 6.38% -2.24%
Profit (Net Income) Margin		 3.89% 4.82% -1.83%
Tax Burden Percent		 69.65% 75.64% 81.69%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 30.35% 24.36% 0.00%
Return on Invested Capital (ROIC)		 12.84% 16.03% -4.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.84% 16.03% -7.21%
Return on Net Nonoperating Assets (RNNOA)		 3.65% 5.22% -2.08%
Return on Equity (ROE)		 16.49% 21.24% -6.20%
Cash Return on Invested Capital (CROIC)		 6.04% 3.40% 26.76%
Operating Return on Assets (OROA)		 3.28% 3.39% -1.10%
Return on Assets (ROA)		 2.28% 2.57% -0.90%
Return on Common Equity (ROCE)		 16.49% 21.24% -6.20%
Return on Equity Simple (ROE_SIMPLE)		 15.79% 19.58% -7.73%
Net Operating Profit after Tax (NOPAT)		 59 67 -19
NOPAT Margin		 3.89% 4.82% -1.57%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 3.08%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 94.41% 93.62% 102.24%
Earnings before Interest and Taxes (EBIT)		 85 88 -27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 95 103 -11
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.60 1.32 1.03
Price to Tangible Book Value (P/TBV)		 1.60 1.32 1.03
Price to Revenue (P/Rev)		 0.39 0.32 0.24
Price to Earnings (P/E)		 10.11 6.72 0.00
Dividend Yield		 3.66% 3.96% 6.57%
Earnings Yield		 9.89% 14.87% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.92 0.34 0.02
Enterprise Value to Revenue (EV/Rev)		 0.29 0.11 0.01
Enterprise Value to EBITDA (EV/EBITDA)		 4.57 1.47 0.00
Enterprise Value to EBIT (EV/EBIT)		 5.14 1.71 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 7.38 2.27 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.17 2.13 0.03
Enterprise Value to Free Cash Flow (EV/FCFF)		 15.68 10.67 0.07
Leverage & Solvency		 - - -
Debt to Equity		 0.27 0.30 0.36
Long-Term Debt to Equity		 0.27 0.30 0.36
Financial Leverage		 0.28 0.33 0.29
Leverage Ratio		 7.22 8.28 6.89
Compound Leverage Factor		 7.22 8.28 6.89
Debt to Total Capital		 21.34% 23.01% 26.31%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 21.34% 23.01% 26.31%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.66% 76.99% 73.69%
Debt to EBITDA		 1.06 0.99 -9.24
Net Debt to EBITDA		 -1.69 -2.89 25.94
Long-Term Debt to EBITDA		 1.06 0.99 -9.24
Debt to NOPAT		 1.72 1.53 -5.39
Net Debt to NOPAT		 -2.73 -4.46 15.13
Long-Term Debt to NOPAT		 1.72 1.53 -5.39
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 28 14 124
Operating Cash Flow to CapEx		 1,891.98% 1,784.54% 6,757.91%
Free Cash Flow to Firm to Interest Expense		 4.28 2.17 18.71
Operating Cash Flow to Interest Expense		 21.21 10.87 49.10
Operating Cash Flow Less CapEx to Interest Expense		 20.09 10.26 48.38
Efficiency Ratios		 - - -
Asset Turnover		 0.59 0.53 0.49
Fixed Asset Turnover		 27.50 25.12 20.84
Capital & Investment Metrics		 - - -
Invested Capital		 474 443 391
Invested Capital Turnover		 3.30 3.32 2.63
Increase / (Decrease) in Invested Capital		 31 53 -143
Enterprise Value (EV)		 435 151 8.51
Market Capitalization		 596 449 297
Book Value per Share		 $13.20 $11.69 $9.44
Tangible Book Value per Share		 $13.20 $11.69 $9.44
Total Capital		 474 443 391
Total Debt		 101 102 103
Total Long-Term Debt		 101 102 103
Net Debt		 -161 -298 -289
Capital Expenditures (CapEx)		 7.26 3.98 4.80
Net Nonoperating Expense (NNE)		 0.00 0.00 3.18
Net Nonoperating Obligations (NNO)		 101 102 103
Total Depreciation and Amortization (D&A)		 11 15 16
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.07 $2.24 ($0.72)
Adjusted Weighted Average Basic Shares Outstanding		 28.50M 29.83M 30.75M
Adjusted Diluted Earnings per Share		 $2.01 $2.22 ($0.72)
Adjusted Weighted Average Diluted Shares Outstanding		 29.27M 30.15M 30.75M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 28.10M 28.97M 30.43M
Normalized Net Operating Profit after Tax (NOPAT)		 59 67 -19
Normalized NOPAT Margin		 3.89% 4.82% -1.57%
Pre Tax Income Margin		 5.59% 6.38% -2.24%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 13.07 13.53 -4.12
NOPAT to Interest Expense		 9.10 10.23 -2.89
EBIT Less CapEx to Interest Expense		 11.94 12.92 -4.85
NOPAT Less CapEx to Interest Expense		 7.98 9.62 -3.61
Payout Ratios		 - - -
Dividend Payout Ratio		 37.89% 34.85% -106.86%
Augmented Payout Ratio		 75.07% 67.81% -159.17%

Quarterly Metrics And Ratios for Universal Insurance

This table displays calculated financial ratios and metrics derived from Universal Insurance's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.31% 1.39% 7.19% 12.51% 17.91% 15.67% 15.10% 15.73% 8.69% 9.19% 11.18%
EBITDA Growth		 16.21% -71.64% -190.15% 31.94% 44.81% 41.77% 92.77% 104.56% 45.93% 128.34% -426.24%
EBIT Growth		 16.79% -71.64% -130.07% 27.61% 44.81% 41.77% 90.88% 104.56% 45.93% 128.34% -426.24%
NOPAT Growth		 23.12% -69.91% -130.07% 23.98% 39.23% -20.36% 91.55% 287.60% 37.84% 155.65% -423.37%
Net Income Growth		 23.12% -69.91% -173.25% 23.98% 39.23% -20.36% 91.82% 287.60% 37.84% 152.18% -458.10%
EPS Growth		 26.32% -67.14% -185.00% 30.11% 44.30% -16.67% 91.53% 287.50% 41.07% 154.90% -468.75%
Operating Cash Flow Growth		 125.25% -29,905.59% 19.35% 41.62% 264.98% -99.66% 3,153.86% -79.54% -85.58% 355.94% -113.45%
Free Cash Flow Firm Growth		 -83.95% 22.88% -142.65% -136.57% -108.48% -119.45% -162.68% 133.47% 612.04% 238.95% 3,298.28%
Invested Capital Growth		 12.21% 7.04% 24.27% 13.23% 9.92% 13.47% 11.03% -6.95% -15.08% -26.76% -27.52%
Revenue Q/Q Growth		 3.48% -1.13% 1.50% 3.79% -2.66% 4.53% 6.54% 8.77% -4.50% 4.01% 7.12%
EBITDA Q/Q Growth		 676.96% 140.53% -136.59% 4.30% 147.91% 514.60% -116.64% 14.48% 79.52% 121.16% -570.46%
EBIT Q/Q Growth		 655.02% 140.53% -137.83% 0.89% 147.91% 428.75% -120.98% 14.48% 79.52% 121.16% -570.46%
NOPAT Q/Q Growth		 588.58% 147.44% -135.82% 5.23% 68.29% 462.70% -119.30% 18.17% -3.74% 138.47% -985.56%
Net Income Q/Q Growth		 588.58% 137.23% -145.64% 5.23% 68.29% 438.11% -120.71% 18.17% -3.74% 134.74% -1,080.66%
EPS Q/Q Growth		 526.09% 140.35% -147.11% 6.14% 62.86% 450.00% -121.51% 17.72% -5.95% 135.59% -1,083.33%
Operating Cash Flow Q/Q Growth		 284.30% -222.65% 12.94% -11.77% 24,287.06% -99.51% 34.02% 202.79% -149.58% 4,571.02% -100.90%
Free Cash Flow Firm Q/Q Growth		 38.34% 77.25% -394.34% -165.31% 74.15% 28.43% -174.50% -38.48% -40.70% 130.66% 177.48%
Invested Capital Q/Q Growth		 10.32% -5.42% 1.38% 6.08% 5.23% 9.81% -7.63% 2.99% 8.63% 7.44% -22.59%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 14.45% 1.92% -4.70% 13.03% 12.96% 6.88% -1.73% 11.11% 10.55% 5.61% -27.60%
EBIT Margin		 14.04% 1.92% -4.70% 12.60% 12.96% 6.88% -2.19% 11.11% 10.55% 5.61% -27.60%
Profit (Net Income) Margin		 10.49% 1.58% -4.19% 9.31% 9.19% 5.31% -1.64% 8.45% 7.78% 7.72% -23.11%
Tax Burden Percent		 74.72% 81.93% 89.19% 73.93% 70.88% 77.23% 75.09% 76.10% 73.72% 76.47% 77.52%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 179.78% 107.99%
Effective Tax Rate		 25.28% 18.07% 0.00% 26.07% 29.12% 22.77% 0.00% 23.90% 26.28% 23.53% 0.00%
Return on Invested Capital (ROIC)		 32.67% 5.20% -10.96% 29.64% 29.72% 17.65% -5.33% 23.99% 20.89% 20.31% -57.33%
ROIC Less NNEP Spread (ROIC-NNEP)		 32.67% 5.20% -14.37% 29.64% 29.72% 17.65% -5.72% 23.99% 20.89% 20.31% -70.03%
Return on Net Nonoperating Assets (RNNOA)		 8.42% 1.48% -4.17% 8.31% 8.85% 5.74% -2.09% 7.03% 5.99% 5.84% -10.23%
Return on Equity (ROE)		 41.09% 6.68% -15.13% 37.95% 38.56% 23.39% -7.41% 31.02% 26.89% 26.16% -67.56%
Cash Return on Invested Capital (CROIC)		 1.97% 6.04% -5.54% 5.44% 7.68% 3.40% 8.30% 8.43% 13.74% 26.76% 11.75%
Operating Return on Assets (OROA)		 8.95% 1.13% -2.72% 6.68% 8.00% 3.66% -1.03% 5.39% 6.09% 2.76% -12.45%
Return on Assets (ROA)		 6.69% 0.93% -2.43% 4.94% 5.67% 2.83% -0.77% 4.10% 4.49% 3.79% -10.42%
Return on Common Equity (ROCE)		 41.09% 6.68% -15.13% 37.95% 38.56% 23.39% -7.41% 31.02% 26.89% 26.16% -67.56%
Return on Equity Simple (ROE_SIMPLE)		 15.79% 0.00% 18.22% 21.15% 20.93% 0.00% 23.86% 1.67% -4.85% 0.00% -36.64%
Net Operating Profit after Tax (NOPAT)		 41 6.02 -13 35 34 20 -5.51 29 24 25 -65
NOPAT Margin		 10.49% 1.58% -3.29% 9.31% 9.19% 5.31% -1.53% 8.45% 7.78% 7.72% -20.86%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 3.41% 0.00% 0.00% 0.00% 0.39% 0.00% 0.00% 0.00% 12.71%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 85.96% 98.08% 104.70% 87.40% 87.04% 93.12% 102.19% 88.89% 89.45% 94.39% 127.60%
Earnings before Interest and Taxes (EBIT)		 55 7.35 -18 48 47 26 -7.88 38 33 18 -86
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 57 7.35 -18 50 47 26 -6.25 38 33 18 -86
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.58 1.60 1.58 1.36 1.59 1.32 1.34 1.33 1.62 1.03 1.05
Price to Tangible Book Value (P/TBV)		 1.58 1.60 1.58 1.36 1.59 1.32 1.34 1.33 1.62 1.03 1.05
Price to Revenue (P/Rev)		 0.43 0.39 0.42 0.36 0.40 0.32 0.30 0.35 0.42 0.24 0.23
Price to Earnings (P/E)		 9.98 10.11 8.66 6.43 7.59 6.72 5.62 79.92 0.00 0.00 0.00
Dividend Yield		 3.25% 3.66% 2.75% 3.28% 3.05% 3.96% 4.76% 4.37% 3.74% 6.57% 6.83%
Earnings Yield		 10.02% 9.89% 11.55% 15.54% 13.18% 14.87% 17.79% 1.25% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.70 0.92 0.66 0.58 0.60 0.34 0.23 0.43 0.68 0.02 0.19
Enterprise Value to Revenue (EV/Rev)		 0.24 0.29 0.22 0.19 0.20 0.11 0.07 0.15 0.23 0.01 0.06
Enterprise Value to EBITDA (EV/EBITDA)		 3.95 4.57 3.20 2.51 2.74 1.47 1.16 82.98 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 3.95 5.14 3.20 2.51 2.74 1.71 1.16 82.98 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 5.49 7.38 4.53 3.42 3.70 2.27 1.30 33.65 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.52 3.17 1.38 1.26 1.38 2.13 0.54 1.87 0.96 0.03 0.37
Enterprise Value to Free Cash Flow (EV/FCFF)		 37.55 15.68 0.00 11.23 8.24 10.67 2.94 4.91 4.58 0.07 1.32
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.24 0.27 0.25 0.26 0.28 0.30 0.34 0.31 0.32 0.36 0.40
Long-Term Debt to Equity		 0.24 0.27 0.25 0.26 0.28 0.30 0.34 0.31 0.32 0.36 0.40
Financial Leverage		 0.26 0.28 0.29 0.28 0.30 0.33 0.37 0.29 0.29 0.29 0.15
Leverage Ratio		 6.14 7.22 7.42 7.69 6.80 8.28 10.11 7.56 5.99 6.89 6.98
Compound Leverage Factor		 6.14 7.22 7.42 7.69 6.80 8.28 10.11 7.56 5.99 12.39 7.54
Debt to Total Capital		 19.31% 21.34% 20.22% 20.54% 21.83% 23.01% 25.32% 23.43% 24.17% 26.31% 28.32%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 19.31% 21.34% 20.22% 20.54% 21.83% 23.01% 25.32% 23.43% 24.17% 26.31% 28.32%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.69% 78.66% 79.78% 79.46% 78.17% 76.99% 74.69% 76.57% 75.83% 73.69% 71.68%
Debt to EBITDA		 1.09 1.06 0.98 0.90 0.99 0.99 1.27 45.28 -6.06 -9.24 -0.94
Net Debt to EBITDA		 -3.24 -1.69 -2.92 -2.21 -2.88 -2.89 -3.85 -114.08 13.60 25.94 1.88
Long-Term Debt to EBITDA		 1.09 1.06 0.98 0.90 0.99 0.99 1.27 45.28 -6.06 -9.24 -0.94
Debt to NOPAT		 1.51 1.72 1.39 1.22 1.33 1.53 1.42 18.37 -8.66 -5.39 -1.18
Net Debt to NOPAT		 -4.49 -2.73 -4.13 -3.01 -3.89 -4.46 -4.32 -46.27 19.43 15.13 2.38
Long-Term Debt to NOPAT		 1.51 1.72 1.39 1.22 1.33 1.53 1.42 18.37 -8.66 -5.39 -1.18
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -16 -25 -111 -22 -8.44 -33 -46 61 100 168 73
Operating Cash Flow to CapEx		 15,334.07% -11,515.80% 4,986.36% 4,959.80% 2,552.83% 29.77% 6,943.93% 4,464.74% -7,379.88% 21,160.33% -426.93%
Free Cash Flow to Firm to Interest Expense		 0.00 -7.78 -68.36 0.00 -5.20 -9.99 0.00 37.58 60.83 102.33 44.64
Operating Cash Flow to Interest Expense		 0.00 -31.33 51.03 0.00 51.12 0.10 0.00 31.71 -30.72 61.80 -1.39
Operating Cash Flow Less CapEx to Interest Expense		 0.00 -31.60 50.01 0.00 49.12 -0.25 0.00 31.00 -31.14 61.51 -1.72
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.64 0.59 0.58 0.53 0.62 0.53 0.47 0.49 0.58 0.49 0.45
Fixed Asset Turnover		 27.66 27.50 27.62 26.97 26.02 25.12 23.65 22.38 21.42 20.84 20.20
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 523 474 502 495 466 443 404 437 424 391 364
Invested Capital Turnover		 3.11 3.30 3.33 3.18 3.23 3.32 3.48 2.84 2.69 2.63 2.75
Increase / (Decrease) in Invested Capital		 57 31 98 58 42 53 40 -33 -75 -143 -138
Enterprise Value (EV)		 366 435 330 285 282 151 94 188 290 8.51 67
Market Capitalization		 666 596 631 535 579 449 404 446 521 297 275
Book Value per Share		 $15.03 $13.20 $14.05 $13.67 $12.59 $11.69 $10.02 $10.99 $10.57 $9.44 $8.49
Tangible Book Value per Share		 $15.03 $13.20 $14.05 $13.67 $12.59 $11.69 $10.02 $10.99 $10.57 $9.44 $8.49
Total Capital		 523 474 502 495 466 443 404 437 424 391 364
Total Debt		 101 101 101 102 102 102 102 102 103 103 103
Total Long-Term Debt		 101 101 101 102 102 102 102 102 103 103 103
Net Debt		 -300 -161 -301 -250 -297 -298 -311 -258 -230 -289 -207
Capital Expenditures (CapEx)		 1.22 0.88 1.66 1.48 3.25 1.14 1.00 1.16 0.68 0.48 0.53
Net Nonoperating Expense (NNE)		 0.00 0.00 3.48 0.00 0.00 0.00 0.40 0.00 0.00 0.00 7.01
Net Nonoperating Obligations (NNO)		 101 101 101 102 102 102 102 102 103 103 103
Total Depreciation and Amortization (D&A)		 1.61 0.00 0.00 1.62 0.00 0.00 1.63 0.00 0.00 0.00 0.00
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.48 $0.23 ($0.57) $1.24 $1.17 $0.70 ($0.20) $0.94 $0.80 $0.84 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 28.09M 28.50M 28.36M 28.60M 28.87M 29.83M 29.62M 30.27M 30.38M 30.75M 0.00
Adjusted Diluted Earnings per Share		 $1.44 $0.23 ($0.57) $1.21 $1.14 $0.70 ($0.20) $0.93 $0.79 $0.84 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 28.78M 29.27M 28.36M 29.31M 29.40M 30.15M 29.62M 30.66M 30.63M 30.75M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 28.14M 28.10M 28.29M 28.48M 28.76M 28.97M 29.19M 30.08M 30.44M 30.43M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 41 6.02 -13 35 34 20 -5.51 29 24 25 -65
Normalized NOPAT Margin		 10.49% 1.58% -3.29% 9.31% 9.19% 5.31% -1.53% 8.45% 7.78% 7.72% -20.86%
Pre Tax Income Margin		 14.04% 1.92% -4.70% 12.60% 12.96% 6.88% -2.19% 11.11% 10.55% 10.09% -29.81%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 2.27 -11.19 0.00 29.28 7.93 0.00 23.04 20.04 11.14 -52.97
NOPAT to Interest Expense		 0.00 1.86 -7.84 0.00 20.75 6.12 0.00 17.54 14.78 15.31 -40.04
EBIT Less CapEx to Interest Expense		 0.00 2.00 -12.22 0.00 27.27 7.58 0.00 22.33 19.63 10.85 -53.29
NOPAT Less CapEx to Interest Expense		 0.00 1.59 -8.86 0.00 18.75 5.77 0.00 16.83 14.36 15.02 -40.37
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.77% 37.89% 30.72% 27.27% 30.07% 34.85% 32.78% 425.02% -151.94% -106.86% -25.11%
Augmented Payout Ratio		 59.86% 75.07% 55.18% 58.17% 64.84% 67.81% 60.90% 610.67% -201.65% -159.17% -35.37%

Frequently Asked Questions About Universal Insurance's Financials

When does Universal Insurance's fiscal year end?

According to the most recent income statement we have on file, Universal Insurance's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Universal Insurance's net income changed over the last 2 years?

Universal Insurance's net income appears to be on an upward trend, with a most recent value of $58.93 million in 2024, falling from -$22.26 million in 2022. The previous period was $66.82 million in 2023.

How has Universal Insurance revenue changed over the last 2 years?

Over the last 2 years, Universal Insurance's total revenue changed from $1.22 billion in 2022 to $1.51 billion in 2024, a change of 24.5%.

How much debt does Universal Insurance have?

Universal Insurance's total liabilities were at $2.47 billion at the end of 2024, a 25.0% increase from 2023, and a 5.1% decrease since 2022.

How much cash does Universal Insurance have?

In the past 2 years, Universal Insurance's cash and equivalents has ranged from $259.44 million in 2024 to $397.31 million in 2023, and is currently $259.44 million as of their latest financial filing in 2024.

How has Universal Insurance's book value per share changed over the last 2 years?

Over the last 2 years, Universal Insurance's book value per share changed from 9.44 in 2022 to 13.20 in 2024, a change of 39.9%.


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This page (NYSE:UVE) was last updated on 5/25/2025 by MarketBeat.com Staff
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